Shruti Singh
Banking
Pune
Summary
Results-driven Banking Professional with 13 years in Retail Banking, specialising in Operations Management, Payments and Settlements, and Retail Banking Sales. Developed strategic market plans, built high-performing teams, and implemented processes to drive business growth while ensuring regulatory compliance.
Overview
16
16
years of professional experience
Work History
Branch Manager
Utkarsh Small Finance Bank
Handewadi, Pune
05.2026 - Current
- Drove CASA portfolio growth, customer acquisition, and cross-sold third-party products (insurance, investments, loans) to achieve branch revenue targets.
- Directing day-to-day branch operations to ensure seamless functioning, effective transaction monitoring, cash management, and operational excellence.
- Mentored and trained branch staff while tracking performance to improve service delivery and increase productivity.
- Ensuring absolute adherence to internal policies, regulatory compliance, risk management guidelines, and audit mandates.
- Cultivated relationships with high-net-worth clients, resolved complex escalations, and maintained high customer satisfaction.
Manager (PBA)
HDFC Bank Ltd.
PUNE
04.2021 - 05.2026
- Managed the comprehensive suite of Business Banking Products, Transaction Banking, Assets Structuring, and Remittances.
- Oversaw high-volume Cash/Non-Cash and Foreign Currency (FCY) transactions with strict adherence to accuracy and institutional policies.
- Handled AML alerts, scrutinized KYC/bonafide transactions against customer profiles, and prepared critical monthly reports (STR, Cash Retention Limit, Control Returns).
- Spearheaded client acquisition and cross-sales via targeted marketing programs while maintaining strict Quality Assurance (NPS) metrics.
- Organized joint calls for prospective high-value clients and actively trained/mentored new joiners to boost productivity.
Manager - BOM
Kotak Mahindra Bank
06.2019 - 02.2021
Deputy Manager - PBA
HDFC Bank Limited
04.2013 - 05.2019
Assistant Manager
Kotak Mahindra Bank
09.2011 - 03.2013
Sr. Sales Officer
HDFC Bank Limited
05.2010 - 09.2011
Education
B.Sc. (Honours) -
Bhagalpur University
01-2006
12th - Science
BRM College
01-2000
Skills
- Branch Banking
- Strategic Planning & Management
- Transaction Management
- Quality Assurance (NPS)
- CASA Portfolio Growth
- Client Acquisition
- Cross-selling (Loans, Insurance, Mutual Funds)
- Strategic Marketing
- AML Alerts
- KYC Verification
- Audit Adherence
- Reports Control (STR, Cash Retention)
- Team Building
- Mentoring & Coaching
- Performance Tracking
- Stakeholder Management
- Microsoft Office Suite
- Windows
- Exchange (Email)
- Internet Fundamentals
- Customer relationship management
- Team building
- Risk management
- Branch operations
- Performance tracking
- Team building and training
- Customer satisfaction
- Staff recruitment
- Retail banking
- Revenue growth
- Performance driving
- Customer service excellence
- Relationship-building
- Product knowledge
- Customer engagement
Accomplishments
- Achieved rapid career growth starting as a Sales Officer in 2010, securing consecutive role promotions (Teller → Authorizer → PBA/TA for Metro Branch) and grade promotions (AM to DM).
- Received official appreciation from the National Head and BBH, along with a Certificate from the Regional Head for maintaining a 100% complaint resolution rate.
- Qualified for Certificates of Merit: Earned multiple performance certificates for exceptional contributions in SB Max, SIP, PL/BL, and AL.
Custom
Branch Banking, Strategic Planning & Management, Transaction Management, Quality Assurance (NPS), CASA Portfolio Growth, Client Acquisition, Cross-selling (Loans, Insurance, Mutual Funds), Strategic Marketing, AML Alerts, KYC Verification, Audit Adherence, Reports Control (STR, Cash Retention), Team Building, Mentoring & Coaching, Performance Tracking, Stakeholder Management, Microsoft Office Suite, Windows, Exchange (Email), Internet Fundamentals
Languages
English
Hindi
Timeline
Branch Manager
Utkarsh Small Finance Bank
05.2026 - Current
Manager (PBA)
HDFC Bank Ltd.
04.2021 - 05.2026
Manager - BOM
Kotak Mahindra Bank
06.2019 - 02.2021
Deputy Manager - PBA
HDFC Bank Limited
04.2013 - 05.2019
Assistant Manager
Kotak Mahindra Bank
09.2011 - 03.2013
Sr. Sales Officer
HDFC Bank Limited
05.2010 - 09.2011
B.Sc. (Honours) -
Bhagalpur University
12th - Science
BRM College